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UPay / Card review
Crypto-funded / collateral card
UPay
Virtual and physical cards for spending supported assets including BTC, ETH, USDT and USDC.
- Rewards · first band
- Base rate unverified
- Foreign-currency fee
- Check card-specific FX
- Card issuance fee
- 10 USDT · Premier/Platinum virtual
- Maintenance / subscription
- Annual fee 0 · Premier/Platinum virtual
Your selected card: before you apply.
Selected tier / planVirtual card · card-specific termsUPay
Check regional termsChoose your residence first
- Documents to prepare
- Check accepted ID and any address evidence in the application for your residence and program.
- Cost to obtain the card
- 10 USDT · Premier/Platinum virtual
Maintenance / subscription: Annual fee 0 · Premier/Platinum virtual
Items to verify and where to check · 2
- Rewards · first bandAmount not stated in reviewed official sourcesThe reviewed card page and August 2026 cashback guide do not state a base UPay cashback percentage. Review the selected card’s reward conditions before applying.
- Foreign-currency feeAmount not stated in reviewed official sourcesThe official virtual-card fee image lists 2% recharge but no FX row. In UPay, select Premier or Platinum under Card and review non-base-currency spending charges in the application fee table.
Fields reviewed · 2026-09-09
Steps on the official site or app
- Open Identity Verification from your UPay profile and choose your actual region and ID issuing country.
- Submit readable ID photographs and the liveness check, then wait for the review.
- Choose a product under Card, open Collateral/Recharge, and select the supported currency and amount.
- Review whether this is collateral or recharge and the final fee before confirming; activate a received physical card with its code and set its PIN.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Why choose this card
Choose virtual or physical spending after checking the selected card’s funding rules.
A good fit if
For existing UPay users spending BTC, ETH, USDT or USDC who want a choice of card formats.
The tradeoff
The displayed issuance and annual fees cover Premier/Platinum virtual cards. Check physical-card issuance and recurring fees separately for the selected product.
Compare Oobit for spending from an existing wallet without preloading a card balance.
Check regional termsFees & rewards
Virtual card · card-specific terms
- Rewards · first band
- Base rate unverified
- Foreign-currency fee
- Check card-specific FX
- Card issuance fee
- 10 USDT · Premier/Platinum virtual
- Maintenance / subscription
- Annual fee 0 · Premier/Platinum virtual
Read the conditions behind the figures
The displayed issuance and annual fees cover Premier/Platinum virtual cards. Check physical-card issuance and recurring fees separately for the selected product.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
How the card works
Verify each card's funding terms · BTC / ETH / USDT / USDC
Submit readable ID photographs and the liveness check, then wait for the review.
Before you apply
Check regional termsConfirm country eligibility and card-specific recharge or collateral terms. No-borrow spending and custody of card funds remain unverified.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Refunds & support
A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.
- Cancellations, refunds and support
- Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.
- Cancellation and subscriptions
- Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.
- Declined or unfamiliar transactions
- Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.
- What to prepare for support
- Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- BTC · ETH · USDT · USDC
- Supported networks
- Official confirmation needed
- Balance / billing currency
- Official confirmation needed
- Conversion timing
- Depends on region or payment mode
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Official confirmation needed
Brand and custody
- Card issuer / operator
- Official confirmation needed
- Custody of funded balances
- Official confirmation needed
Card locking uses a funds PIN and SMS verification. Self-custody of card balances and the actual custody institution remain unverified.
Official sources
card ↗upay.com ↗
UPay — Restricted and prohibited countries ↗
UPay — Card collateral funding guide ↗
UPay — Virtual card fees ↗
Official terms · 2026-09-08 ↗
Official terms · 2026-09-08 ↗
Official terms · 2026-09-08 ↗
UPay Premier and Platinum virtual fee image — visually inspected ↗
UPay August 2026 cashback guide ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026